Homeowners & Wildfire/Smoke Claims

Covers residential property claims including dwelling fire, windstorm, water damage, wildfire, smoke damage, and catastrophe-related claims under homeowners policies.

Playbook Overview

Category
property casualty
Common Letter Types
acknowledgment, reservation of rights, proof of loss, coverage investigation, partial denial, full denial, payment, catastrophe, closing
High Complexity Jurisdictions
california, texas

Homeowners & Wildfire/Smoke Claims

Homeowners insurance generates some of the highest volumes of claim correspondence, especially during catastrophe events. Correspondence strategy varies significantly by jurisdiction and peril type.

Common Letter Scenarios

  • First Notice of Loss: Acknowledgment with proof-of-loss form and document request
  • Coverage Investigation: Reservation of rights for exclusion questions (e.g., flood vs. water damage)
  • Wildfire/Smoke: California-specific consumer notices, extended deadlines, and smoke-damage investigation requirements
  • Payment: ACV/RCV explanation letters, undisputed-amount payments, and depreciation holdback notices

Applicable Letter Templates